Measurement of intellectual capital Annotated Bibliography

Estimation of scholarly capital - Annotated Bibliography Example The article entitled â€Å"Measuring for managing?† An IC Practice Case Study is written so as to feature the accomplishment of the legislative association which was working with the name of Lands as far as executing practices of overseeing scholarly capital and it utilized a contextual investigation way to deal with research the issue. The authoritative administration was giggled at and they were savagely decided as chasers of a slippery practice however toward the day's end, the dark horses had risen as triumphant in light of the fact that they had a dream and they had faith in it and their exhibition appeared to the world that they are for sure fruitful. The associations learn as people do and they need to make neural systems and information banks so as to hold their learning. With the assistance of present day brain science, it very well may be set up that people work out their way in lives by applying their encounters which are known to get put away in the nuclides of their minds. Be that as it may, associations experience different sorts of encounters regularly and their exposures and logs are recorded in foundation of data innovation. The workers get to the databases so as to figure out how to deal with specific circumstances though; they consistently update them with their encounters too so future learning can be encouraged. This article is helpful for me in demonstrating worth of my examination subject as an applied idea. The following article which has a working title of â€Å"Intellectual capital estimation: a basic approach† featured the way that the organizations are working with not exactly viable methods for estimating IC’s viability since they are concentrating on monetary profits which are related with hierarchical learning and it utilizes a case advancement philosophy. Notwithstanding, this paper goes poorly with the previously mentioned article since people don't have confidence in what they can't see. The organizations measure achievement in money related terms

Summary of Management Consultancy

Part 1: OVERVIEW OF MANAGEMENT CONSULTANCY SERVICES BY CPAs Introduction to the World of Consulting * Consultants are not all CPAs. Anybody can be an advisor. Be that as it may, to flourish in consultancy, one must have the ability. The most convincing nonmonetary reasons individuals enter the counseling field are: 1. Sharing their insight to support their customers. 2. Building business system and make a stride up in one’s corporate profession. 3. Having no chief, being free and settling on their own choices. 4. No dread of being laid off. 5. Having an adaptable wellspring of salary. 6. A methods for offering back to the network by giving mastery and help with network based ventures. Development of MAS The essential factors that added to the rise and development of the executives consultancy are: 1. Development in size and unpredictability of business. 2. Trouble in directing and dealing with a business. 3. More prominent rivalry among organizations with the goal that new administration strategies should be applied. 4. Acknowledgment of the significance of precise and opportune data in dynamic. 5. Powerlessness to have a total line-up of expert administration. Creating Trends Management consultancy presently has practical experience in data frameworks, computerized workplaces, money related investigation and demonstrating planning and cost controls, association structures, staff remuneration, vital arranging and a large group of different zones. * Another pattern has been the improvement of business instruction. * The quality undergrad and graduate projects in busin ess are creating better-prepared contestants into the positions of the executives counseling calling. Because of this implantation, the executives counseling is turning into an impetus for progression of better administration ideas and methods. Innovative improvements have happened at a stunning pace in such regions as data sciences and choice sciences. * Computer equipment and programming, along with information correspondence and apply autonomy speak to integral assets for business the executives. Future Prospects A veteran administration expert makes the accompanying forecasts: 1. The board counseling will turn out to be significantly progressively particular. 2. The consultant’s direction will be towards being a knowledge supplier, maker and sharer of data. 3. The executives counseling firms will tend either to stay little or to turn out to be very huge. Little firma will flourish by centering upon tight zones of specialization while enormous firms should create and offer a wide scope of administrations to continue their significant expenses of activities. 4. As experts develop in number, they will grow progressively advanced methods for promoting their administrations. 5. Brilliant alumni of bookkeeping, the executives and business colleges will keep on being pulled in to vocations in the board counseling. The Consulting Industry Most meanings of consultancy would include: . Data innovation 2. Counseling and framework mix 3. Corporate procedure 4. Tasks the executives 5. HR the board 6. Re-appropriating The Main Types of Consultant Firms 1. IT Firms (for instance, IBM’s acquisition of PwC Consulting) †to expand income 2. Bookkeeping firms offering consultancy 3. Major Consulting Only Firms 4. Independents Professional bodies, for example, PICPA offer proficient preparing and accreditation and give a gathering to terrifically significant systems administration. Profession in Consulting Firms (in climbing request of position) 1. Expert †liable for social event data and handling it for the counseling group. 2. Specialists †attempt the assessment of the customer business and make proposals for its sake. 3. Senior Consultant or Managers †progressively experienced experts that have the obligation of driving a counseling group. †would normally have 3-5 years of counseling experience. †would be increasingly associated with managing individuals from the customer group. 4. Business Development Managers †are liable for building up the firm’s items and building its relationship with customers. would be associated with some huge, complex counseling ventures at a key level. †most would have 5-10 years of counseling experience. 5. Chiefs (or Partners) †are the most experienced advisors, who assume on liability for the improvement of the association all in all and who lead its key turn of events. †would keep up contacts with senior work force in the customer organization s and would have generally duty regarding ventures. †would have 10+ long stretches of counseling experience. Nature of MAS by Independent Accounting Firms The executives Advisory Services (MAS) by free bookkeeping firms can be depicted as the capacity of giving proficient warning (counseling) benefits, the main role of which is to improve the client’s utilization of its abilities and assets to accomplish the goals of the association. The executives Consultancy can likewise be depicted as an autonomous and target warning assistance gave by qualified people to customers so as to assist them with recognizing and dissect the board issues and openings. 2 sorts of experiences with customers: . Conference giving counsel and data during a brief timeframe outline. The guidance will be conclusive when the specialist is completely mindful of the circumstance and has adequate skill to require progressively escalated examination or examination. 2. Commitment comprises of that type of the executives warning or counseling administration in which a logical methodology and procedure is applied in an investigation or task. This methodology ordina rily includes: a. Finding out the appropriate realities and conditions b. Looking for and distinguishing goals c. Characterizing the issue or open door for development d. Assessing and deciding the potential arrangements e. Present discoveries and proposals f. Executing the arrangement, if suitable And following the client’s choices to continue, the autonomous bookkeeping firm may likewise be associated with: a. Arranging and planning activities to accomplish the ideal outcomes, and b. Prompting and giving specialized help with executing In blend with information and involvement with so much zones as: a. Association and the board strategies b. Office and the executives capacities c. Frameworks and strategies d. Information preparing techniques e. Quantitative strategies f. Money related administration To deliver arrangements, for example, * An administration data framework * A business revealing framework * A cost bookkeeping framework * A work estimation program * Improved creation control * An association plan with explanations of obligations and duties, or * An electronic information preparing framework Rationale of Using Management Consultants An administration specialist is recruited for at any rate four important reasons: 1. Autonomous Viewpoint This empowers him to see the genuine idea of the issues and recognize doable and infeasible arrangements. Since, he isn't engaged with the inside strategies of his customers, his proposals are viewed as fair. 2. Proficient Advisor and Counselor Business firms for the most part lean toward CPA specialists on account of their scholarly preparing and assessment prerequisite for the CPA endorsement. 3. Transitory Professional Service The utilization of experts will be presumably more affordable to the organization than recruiting new administrators or workers to offer proficient warning types of assistance. . Operator of Change In giving answers for the client’s issue, changes may must be made to the authoritative structures, to methodology and to work obligations. Free Accounting Firm’s Role in MAS â€Å"To give guidance and specialized help which ought to accommodate customer interest in the explanatory methodology and procedure. Indicating this as the best possible job perceives both the proper spot of MAS and the real factors of training. This is the main premise on which the work should allow it to be finished. * The bookkeeping firm ought to abstain from settling on the board choices or taking places that may disable the firm’s objectivity. CPA’s Objective in Engaging in MAS â€Å"To use the basic capabilities it has accessible to give guidance and specialized help which will empower customer the executives to lead its issues all the more adequately. † Essential Qualifications: 1. Specialized skill 2. Recognition with the client’s account and control frameworks and his business issues. 3. Systematic capacity and involvement with critical thinking. 4. Proficient autonomy, objectivity and respectability.

BUS 401 MOD 5 SLP Essay Example | Topics and Well Written Essays - 500 words

Transport 401 MOD 5 SLP - Essay Example à ¡ndez has been the leader of the expense office in the course of recent years for the organization and is currently been perceived and designated as the CFO. As a piece of the job of the principle obligations incorporate ignoring different divisions like the organization, the board and arranging, dangers, money related administration, control, and furthermore burdens for the entirety of the auxiliaries. As unmistakably has been communicated in the site, â€Å"According to Deputy Chairman Mr. Pablo Isla, â€Å"the objective of this structure is to produce the most elevated conceivable number of cooperative energies and to guarantee the incorporated administration of the Financial Area† (INDITEX). Ignacio Fernã ¡ndez is an alum of Economy and Business from the Coruã ±a University, he joined the organization in 2001 and he has been in the style business for a long while. He filled in as a director for the monetary group in other little Spanish business and with his difficult work and commitment has proceeded onward to turn into the CFO of INDITEX. The Vice President, Pablo Isla of INDITEX has additionally proclaimed that, â€Å"Ignacio Fernã ¡ndez is in a key post as he should regulate the administration of the money related segment and furthermore create however much cooperative energy as could reasonably be expected between various services† (Fashion Magazine). INDITEX has been known to be one of the most energizing organizations and is known for the worldwide design retail. The organization has a solid Global Risk group which is set up which encourages the organization to keep up hazard straightforwardness just as manage the mind boggling worldwide protections and projects which are critical for the drawn out business connections. The organization has a solid arrangement of hazard the executives strategies which have been characterized and set down for quite a long while and has demonstrated to work adequately for the organization. Felix Poza, the Chief Risk Manager at INDITEX clarifies unmistakably that each progression is taken with most extreme alert and the organization attempts to build up its back up plans before making any stride (Allianz). Unmistakably the organization has a solid

Common Crimes Defined

Normal Crimes Defined Wrongdoings can be carried out against people or property, however all violations convey a discipline for the individuals who overstep the law. Administrative, state, and nearby governments pass laws to set up what is satisfactory conduct and what is illegalâ within society. Following are some normal crimes,â both lawful offenses, and misdeeds, with general clarifications connected: Adornment Individuals are adornments when they request, demand, order, seek after, or purposefully help someone else to participate in direct establishing an illicit activity. Bothered Assault Bothered attack is causing or endeavoring to make genuine substantial damage another or utilizing a destructive weapon during a crime.â Supporting and Abetting Supporting and abetting happens when an individual determinedly helps, abets, guides, orders, instigates or gets the commission of a crime.â Illegal conflagration Illegal conflagration is the point at which a personâ intentionally burnsâ a structure, building, land, or property. Ambush Criminal ambush is characterized as a purposeful demonstration that outcomes in an individual getting dreadful of approaching real damage. Battery Battery is any unlawful physical contact with someone else, including hostile contacting. Pay off Pay off is the demonstration of offering or getting remuneration to impact any individual who is answerable for playing out an open or lawful obligation. Theft A theft happens when somebody illicitly enters practically any sort of structure to submit an unlawful demonstration. Kid Abuse Kid misuse is any demonstration or inability to act that outcomes in the damage, potential for mischief, or danger of mischief to a youngster. Kid Pornography Kid erotic entertainment incorporates the ownership, creation, conveyance, or offer of sexual pictures or recordings that abuse or depict youngsters. PC Crime PC wrongdoing is any illicit represent which information on PC innovation is fundamental for fruitful indictment. Intrigue Intrigue happens when at least two individuals plan a wrongdoing with the purpose of perpetrating that wrongdoing. Visa Fraud Visa extortion is submitted when an individual uses a credit or platinum card illicitly to get assets from a record or to get product or administrations without paying. Messy Conduct Messy direct is aâ broad term charging anybody whose conduct is an open disturbance. Upsetting the Peace Upsetting the harmony includes conduct that upsets the general request of an open spot or assembling. Abusive behavior at home Abusive behavior at home occursâ when one individual from a family dispenses in essence hurt upon another individual from that family unit. Medication Cultivation or Manufacturing Medication development or assembling is illicitly developing, creating, or having plants, synthetic compounds, or gear utilized to deliver drugs. Medication Possession Medication ownership happens when somebody adamantly has any illicit controlled substance. Medication Trafficking or Distribution Both a government and state wrongdoing, medicate circulation incorporates selling, shipping, or bringing in illicit controlled substances. Smashed Driving Smashed driving happens when an individual works a mechanized vehicle while affected by liquor or medications. Misappropriation Theft occursâ when a party in question abuses cash or property depended to them. Blackmail Blackmail happens when somebody acquires cash, property, or administrations through a demonstration of pressure. Falsification Falsification incorporates misrepresenting archives or marks or faking an object of significant worth to submit extortion. Misrepresentation Extortion is submitted when an individual uses double dealing or distortion for money related or individual addition. Provocation Provocation is undesirable conduct planned to irritate, upset, caution, torment, upset, or threaten an individual or gathering. Loathe Crime Loathe wrongdoing is a criminalâ offense against an individual or property persuaded in entire or to a limited extent by a guilty parties inclination against a race, religion, inability, sexual direction, ethnicity, sex, or sex identity.† Data fraud Wholesale fraud remembers a wide range of wrongdoing for which somebody illegitimately gets and utilizes another people individual information here and there that includes extortion or misdirection, normally for financial increase. Protection Fraud Protection misrepresentation happens when an individual endeavors to get installment from an insurance agency under bogus premises. Capturing Capturing is submitted when an individual is unlawfully kept or moved starting with one spot then onto the next without wanting to. Illegal tax avoidance Tax evasion happens when somebody endeavors to hide or mask the nature, area, source, possession, or control of continues of unlawful activities. Murder Generally named first-degree or second-degree, murder is the resolved taking of another people life. Prevarication Prevarication happens when an individual gives bogus data while having sworn to tell the truth. Prostitution Prostitution happens when an individual isâ compensated in return for a sexual demonstration. Open Intoxication Somebody alcoholic or affected by drugs in an open spot can be accused of open inebriation. Assault Assault happens when somebody powers sexual contact with someone else without their assent. Theft Theft includes taking from someone else by the utilization of physical power or by placing the casualty in dread of death or injury.â Rape In spite of the fact that definitions differ by state, for the most part it happens when an individual or people submit a sexual demonstration without the assent of the person in question. Shoplifting Shoplifting is taking product from a retail location or business. Sales Sales is offering remuneration for merchandise or servicesâ prohibited by law.â Following Following happens when an individual, after some time, follows, bothers, or watches someone else. Legally defined sexual assault Legally defined sexual assault happens whenâ an grown-up engages in sexual relations with somebody under the time of assent, whichâ varies by state. Tax Avoidance Tax avoidance includes taking purposeful activities to cover or distort a people or businesss salary, benefits, or monetary profits or to blow up or misrepresent charge conclusions. Burglary Robbery is a general term portraying types of theft, including thievery, plundering, shoplifting, misappropriation, extortion, and criminal change. Vandalism Vandalism happens when an individual deliberately harms property that doesn't have a place with them. Wire Fraud Quite often a felony, wire misrepresentation is a criminal behavior occurring over any interstate wires to carry out extortion.

Alcoholism in 1800 in USA Research Assignment - 1375 Words

Alcoholism in 1800 in USA Research Assignment (Essay Sample) Content: NameInstitutionInstructorCourseDateDrugs and SocietyThe effects of drugs on the society is serious, it not only impacts the users of the drugs but also the families of the people affected. Today, the reports by ONDCP quantified the effects of drugs economically in the United States to be $180.2 billion. The most common effect of drug use too many is poor health, prolonged sickness, and death. In the early days of 1900's through 1920's, the most common form of the drug that was used remained to be alcohol and it accounted for 51% of the total drugs in the country. As always, it destroyed the social structures and created so much burden on the families especially the women. To restore the dignity into the country, the Prohibition Act was introduced and was effected in 1920. The main purpose of having the law was to restore sanity to the country and restore the already broken social structures. However, the law failed to restore the country from the massive usage of alco hol but instead promoted the illegal business in the United States. The effects did not only reach the United States, but it was also felt in the other parts of the world like the neighboring countries.Later in 1930s after the laws failure had been noticed, was the introduction of the Volstead Act which managed to restore the country from the menace of Alcoholism. In this paper, therefore, is the analysis of the diverse effects of 18th constitutional Amendment had in the country and some of the impacts that were created by the introduction of the Volstead Act.Effects of Prohibition Act Then and NowThe prohibition Act was intended to create and restore sanity into the American society but it failed and instead, it brought so many effects that some are even felt in the present day of America as explained blow:Massive corruptionOne of the fundamental effects of the prohibition laws was the massive growth of corruption in the country during those days. Instead of ending the culture of a lcohol drinking, one of the challenges that faced people was the growth of corruption since potential gang groups in the country were engaging in the illegal transportation of the liquor and its sale. They grew to be very rich and they could hire the best lawyers in town making them buy their way out of legal authoritiesCITATION Ksi08 \p 123 \l 1033 (Ksir, Ray and Hart 123).Lack of respect for religionAmong the main forces that advocated for the creation of the prohibition Act was the church, they wanted the society to embrace God and shun from the evil ways which were drinking. Instead of embracing the new paradise, the culture of drinking grew more, making the paradise to be an issue for the few and not the majority of the people. In a way, the law contributed to the disobedience of the people not to recognize the law, but recognize alcohol which was appreciated by many.Growth of Hard DrugsProhibition law led to the creation of the Volstead Act after it failed to contain the coun try. From it, therefore, supply and possession of alcohol were illegal. As a result, therefore, there was massive growth of the hard drug network since the gangs wanted to maintain their status quo in the society. Today, the sale of alcohol and consumption is not as high as it was in 1800 but there is the equal growth of hard drug cartels in the country.Effects of Alcoholics Anonymous MovementThe alcoholics Anonymous abbreviated as the AA is an international and a mutual aid fellowship that was established by Dr. Smith and Bill Wilson in 1935. The main reason for the movements formation was to help alcoholics remain sober. Basically, the movements secret is based on the 12 step program of both spiritual and character development. Since its formation, the effect it created is immense and has been felt from then and today. The main aim of prohibition Act was to take people back to God, however, the creation of AA ensured that more alcoholics were strengthened spiritually, making them appreciate the role of religion in their livesCITATION Die16 \p 89 \l 1033 (Diehl 89). Just like today, the AA helped alcoholics remain sober, with 27% of the individuals taken through the program gaining the required level of sobriety in less than a year. Its presence in the presence day has also remained relevant in helping drug and substance addicts restore themselves from such addictionCITATION Die16 \p 89 \l 1033 (Diehl 89).Effects of Wayne Wheeler and Grassroots MovementsGenerally, Wayne Wheeler and the grassroots movement played a significant role in defining the politics of the day and even today. According to the philosophy spread by Wayne, his primary agenda was to ensure that the prohibition Act works and all the politicians respect the law on prohibition. As a result, therefore, people were being rejected on the basis of support they offered prohibition. An individual who did not offer any support for the prohibition, would, therefore, be leftCITATION Mac161 \p 73 \l 1 033 (MacGirr 73).Today, these are the same philosophies that have been maintained by the conservatives especially by the families with a strong Christian background. It has to be noted that Wheeler was using the churches to have his mission of supporting prohibition and drafting of the Volstead Act. These values have, therefore, lived from one generation to another, exposing people to various values which as well shapes their political affiliation and choices based on the policies of the individual and the party.Effects of the Volstead ActAffected Quantity and Type of Alcohol producedOnce in the history of the country, production, transportation and the sale of illegal alcohol were controlled by the gang groups. These groups remained to be powerful in the face of the ordinary Americans to an extent that their lifestyles were being admired by many, especially the lower level class individuals. However, with the introduction, if the Volstead Act, the terms of production changed and t here came the birth of new dispensation in the United States. The law introduced a new way of production in the country regulating the home production system to 200 gallons with an alcohol percentage of not more than 0.5%. In other words, it advocated for fruit juice production at home and change the production of toxic alcohol allowed by the Prohibition.Created Effect on the Legal system...

Is it a Mistake Not to Hire a Financial Planner

Paying for college has become the number one financial concern among parents of young children. Four years of tuition 18 years from now will likely cost more than your familyï ¿ ½s first home. But figuring out just how much you will need to save can be a challenge. Your childï ¿ ½s total college costs will depend on a variety of factors, including their age, type of school, location, whether or not they will live on campus and if scholarships are in their future. When it comes to planning, some families prefer to endure the journey alone, but others are willing to pay for professional guidance. DIY college planning may work for some, but hereï ¿ ½s what you might be missing out on: 1. Access to more investment products If your child is young, or perhaps not even born yet, an easy way to start preparing for their college education is to open a 529 plan. You can enroll in some 529 plans directly but others can only be purchased from a financial advisor. Although your advisor may earn a commission by selling you a certain plan, he could also recommend that you open a direct-sold plan if he thinks itï ¿ ½s a better fit. According to this yearï ¿ ½s College Savings Survey, only 28 percent of parents who currently save in a 529 plan said they used a financial advisor to shop for one. The top three reasons for not working with an advisor were that they were comfortable researching and understanding investment options on their own, they didnï ¿ ½t want to pay commissions and they were concerned about hidden fees or costs. What is a 529 plan? 2. Help with selecting a savings vehicle Almost every state offers a 529 plan and there are hundreds of different investment options to choose from. A financial planner who is familiar with college savings plans and the investment managers who run them will be able to help narrow down your choices. If youï ¿ ½re already working with an advisor who knows your investment goals and risk appetite youï ¿ ½ll get an even more personalized recommendation. Even if youï ¿ ½re working with a fee-based independent advisor he or she can still help recommend an appropriate direct-sold plan. 3. Evaluating the schoolï ¿ ½s expected ROI Most families are comfortable with the idea of supplementing their college savings with some student loans, but no one wants their children to be crippled with excessive debt. A financial planner can help you evaluate your childï ¿ ½s choice of school and the expected return on investment to ensure that theyï ¿ ½ll be able to afford the future loan repayments. This includes researching tuition costs as well as expected starting salaries for the studentï ¿ ½s desired field of study. Youï ¿ ½re saying my financial advisor can help me plan for college? 4. Finding scholarships and grants According to Sallie Maeï ¿ ½s How America Pays for College 2014 report, undergraduate students paid for 31 percent of their total college costs with grants and scholarships. Whatï ¿ ½s more, 38 percent of students from households with incomes over $100,000 received scholarships. So even if you are a high earning family, thereï ¿ ½s a good chance you will be able to get some sort of scholarship. Todayï ¿ ½s financial planners play a large role in helping families uncover opportunities to cut down tuition costs. 5. Maximizing financial aid eligibility According to the 2011-2012 National Postsecondary Student Aid Study (NPSAS), around 2 million students missed out on receiving a Federal Pell Grant simply because they failed to complete a FAFSA. Thatï ¿ ½s right, these families gave up a chance to receive money for college that they wouldnï ¿ ½t have had to pay back! The FAFSA is a highly complex form. So much so that the President is taking major steps to simplify the financial aid process. Remember that federal financial aid is first come first serve, and if you make a mistake on your FAFSA youï ¿ ½ll have to make a correction and re-submit. For families who donï ¿ ½t feel comfortable filling out this complicated form alone, who better to ask for help than their financial planner, who already has a complete picture of their household finances? 6. Aligning your investments Do you currently work with a financial planner to manage your retirement account and other investments? If so, it might make sense to involve them in your college planning process as well. You may even qualify for a discounted sales charge if your investments within the same fund family reach certain breakpoints. For example, this could happen if you have an IRA, a brokerage account and a 529 plan all in the same fund family purchased through the same financial advisor. 4 reasons to buy a 529 plan through a financial advisor Paying for college has become the number one financial concern among parents of young children. Four years of tuition 18 years from now will likely cost more than your familyï ¿ ½s first home. But figuring out just how much you will need to save can be a challenge. Your childï ¿ ½s total college costs will depend on a variety of factors, including their age, type of school, location, whether or not they will live on campus and if scholarships are in their future. When it comes to planning, some families prefer to endure the journey alone, but others are willing to pay for professional guidance. DIY college planning may work for some, but hereï ¿ ½s what you might be missing out on: 1. Access to more investment products If your child is young, or perhaps not even born yet, an easy way to start preparing for their college education is to open a 529 plan. You can enroll in some 529 plans directly but others can only be purchased from a financial advisor. Although your advisor may earn a commission by selling you a certain plan, he could also recommend that you open a direct-sold plan if he thinks itï ¿ ½s a better fit. According to this yearï ¿ ½s College Savings Survey, only 28 percent of parents who currently save in a 529 plan said they used a financial advisor to shop for one. The top three reasons for not working with an advisor were that they were comfortable researching and understanding investment options on their own, they didnï ¿ ½t want to pay commissions and they were concerned about hidden fees or costs. What is a 529 plan? 2. Help with selecting a savings vehicle Almost every state offers a 529 plan and there are hundreds of different investment options to choose from. A financial planner who is familiar with college savings plans and the investment managers who run them will be able to help narrow down your choices. If youï ¿ ½re already working with an advisor who knows your investment goals and risk appetite youï ¿ ½ll get an even more personalized recommendation. Even if youï ¿ ½re working with a fee-based independent advisor he or she can still help recommend an appropriate direct-sold plan. 3. Evaluating the schoolï ¿ ½s expected ROI Most families are comfortable with the idea of supplementing their college savings with some student loans, but no one wants their children to be crippled with excessive debt. A financial planner can help you evaluate your childï ¿ ½s choice of school and the expected return on investment to ensure that theyï ¿ ½ll be able to afford the future loan repayments. This includes researching tuition costs as well as expected starting salaries for the studentï ¿ ½s desired field of study. Youï ¿ ½re saying my financial advisor can help me plan for college? 4. Finding scholarships and grants According to Sallie Maeï ¿ ½s How America Pays for College 2014 report, undergraduate students paid for 31 percent of their total college costs with grants and scholarships. Whatï ¿ ½s more, 38 percent of students from households with incomes over $100,000 received scholarships. So even if you are a high earning family, thereï ¿ ½s a good chance you will be able to get some sort of scholarship. Todayï ¿ ½s financial planners play a large role in helping families uncover opportunities to cut down tuition costs. 5. Maximizing financial aid eligibility According to the 2011-2012 National Postsecondary Student Aid Study (NPSAS), around 2 million students missed out on receiving a Federal Pell Grant simply because they failed to complete a FAFSA. Thatï ¿ ½s right, these families gave up a chance to receive money for college that they wouldnï ¿ ½t have had to pay back! The FAFSA is a highly complex form. So much so that the President is taking major steps to simplify the financial aid process. Remember that federal financial aid is first come first serve, and if you make a mistake on your FAFSA youï ¿ ½ll have to make a correction and re-submit. For families who donï ¿ ½t feel comfortable filling out this complicated form alone, who better to ask for help than their financial planner, who already has a complete picture of their household finances? 6. Aligning your investments Do you currently work with a financial planner to manage your retirement account and other investments? If so, it might make sense to involve them in your college planning process as well. You may even qualify for a discounted sales charge if your investments within the same fund family reach certain breakpoints. For example, this could happen if you have an IRA, a brokerage account and a 529 plan all in the same fund family purchased through the same financial advisor. 4 reasons to buy a 529 plan through a financial advisor

Medicinal Practices from the American Revolution to the...

Medicinal Practices; American Revolution to the War of 1812 For centuries, war has consumed millions of souls. It has caused heartache and has torn families apart. Today, properly educated doctors and nurses can treat wounds and injuries with proper care, but this taken for granted assistance wasn’t always readily available. In the Revolutionary War and the War of 1812, nearly 30,000 American soldiers died. However, rather than being killed on the battlefield, the majority of soldiers died while being treated in medical tents. More often then not, the work of doctors and surgeons resulted in worsening the state of their patients, frequently causing their death. Medical practitioners did more damage than deed to soldiers during the American Revolution to the War of 1812 because of their little attention to individual patients, housing for patients, poor work ethics and habits, lack of knowledge and because major medical advancements weren’t achieved for another half-century. Throughout the Revolutionary War and the War of 1812, doctors gave little attention to individual patients which resulted in the death of many soldiers. Dr. Gregg Baran, a physician and reenactor asserted, â€Å"At the time of a battle its important to realize there’d be one surgeon and one assistant for perhaps as many as 1000 soldiers,† (PBS Video). How can a doctor be effective if they have that many patients to take care of? Statistics show they weren’t. After being hit with a musket ball, there was aShow MoreRelatedThe De Goya Y Lucientes1809 Words   |  8 Pagesin 1786. Six years later, he suffered an awful illness which ultimately left him deaf and shaped his future work. After Napoleon Bonaparte rose to prominence during the French Revolution, Spain was invaded due to its political and strategic importance to the French. Goya was able to capture the horrors he saw in his anti-war works produced in paintings and with intaglio prints which he didn’t make public. The throne of Spain was taken by Jose ph Bonaparte, Napoleon s brother, who was backed by a largeRead MoreMandinka Empire21578 Words   |  87 Pagesoffer here a theory of â€Å"cultural convergence,† as a corollary to Darwin’s natural selection, regarding how slave Creoles and culture were formed among the Gullah and, by extension, supported by other examples, in the Americas. When numerous speakers from different, and sometimes related, ethnic groups have words with similar sounds and evoke related meanings, this commonality powers the word into Creole use, especially if there is commonality with Southern English or the host language. This theory